Unfortunately, in the majority of cases, your insurance will not cover you in the case of a damp problem like rising damp or condensation. This is because damp usually falls under the category of ‘gradual deterioration’, which most buildings, contents and landlord insurance policies do not cover.
Can damp problems affect my health?
What are the health risks of damp problems?
Mould caused by damp problems can cause a variety of health issues, especially in those already suffering from asthma, a lung condition, or on-going immune disorders, research has found. The presence of mould is also more likely to affect more vulnerable age groups, like the elderly and very young children, with symptoms including allergy and cold-like symptoms such as nasal stuffiness, eye irritation, wheezing, coughing and throat irritation.
A study by the NHS concluded with similar results, and found that people living in a damp home were twice as likely to suffer from conditions such as asthma. It also ruled that alongside damp caused by condensation and other sources, the mould by-product posed a risk through the release of toxic substances and allergens.
Health conditions caused by damp problems in the home
It is not just respiratory problems that can occur because of damp problems. Other health problems include the irritation of skin conditions such as eczema, or feelings of fever and nausea.
There are many things that you can do to help control damp levels in your home, such as dealing with condensation by wiping windows and doors on a regular basis, using extractor fans in kitchens and bathrooms and keeping doors and windows open where possible to encourage a fresh air flow. However, doing these things will often not eliminate the source of your damp problem, especially if it's due to a leak or a defect in your damp proof course.
Eliminating the sources and evidence of damp in your home will go a long way towards decreasing the likelihood of you developing these symptoms. The most effective damp solution is to have your property inspected by damp proofing experts such as ourselves. We will identify and isolate your damp problem before implementing an effective damp proofing solutions to protect your home against any future problems with damp.
Find out more about damp problems
- How to identify a damp problem in your home
- Why is a damp proof course important?
- Is your home at risk of damp?
A new study from Privilege Home Insurance has revealed that damp is a major issue putting off potential buyers and renters from submitting an offer on a property.